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Safe-to-Spend Calculator

Your bank says one number. Your real number tells you what you can actually spend after deferred revenue, taxes, and commitments.

Start with your bank balance

Log in and enter today's available balance.

Estimate your MRR

Monthly subscription revenue. Annual plans? Divide by 12.

Don't know exact numbers?

Estimates work. Adjust and see the result change live.

Results update instantly

Change any input and Safe-to-Spend recalculates.

Your numbers

Log into your bank and enter today's available balance. If you have multiple accounts, use your primary operating account.
$
Add up all monthly subscription revenue. For annual plans, divide the annual price by 12. Pre-revenue? Enter 0.
$
Estimate how much of your revenue is from annual or multi-month plans. Most early SaaS companies are 10-30%. All monthly? Set to 0%.
30%
A safety buffer for taxes. 25% is a safe default for most US-based startups. Ask your accountant for a precise number. Not tax advice.
25%
Think about big upcoming expenses: annual software renewals, planned hires, equipment, outstanding invoices you owe.
$
Add up monthly bills: payroll, hosting, SaaS tools, rent, insurance. Include your salary if you pay yourself. Aim for 80% accuracy.
$

Your bank says

$84,000

Your real number

$28,100

That's $55,900 less than your bank balance.

Breakdown

Bank Balance$84,000
−Deferred Revenue($14,400)
−Tax Reserve($24,000)
−Commitments (90d)($8,000)
−Recurring Costs (30d)($9,500)
Safe-to-Spend$28,100

Runway

18.7months at current burn

Net burn: $1,500/mo (costs minus revenue)

Keep this number up to date

Save your figures, run what-if scenarios, and watch the number move as your costs and commitments change.

Create your free account

Free. No credit card required.

How it works

Most founders check their bank balance and think that's what they have. It's not. Safe-to-Spend subtracts everything that's already spoken for:

  • Deferred revenue — cash from annual subscriptions you haven't earned yet. Learn why this matters.
  • Tax reserve — money set aside for your next tax bill. This is an estimate, not tax advice.
  • Commitments — the verbal yeses and upcoming costs that live in your head, not in any system.
  • Recurring costs — your monthly operating expenses: payroll, tools, infrastructure.

What's left is what you can actually spend. That's your real number. See how this affects your runway.

82% of startup failures stem from cash flow mismanagement.

Know this number before you spend

Enter your balance. Add your costs. Know your real number whenever it matters.

Create your free account

Free. No credit card required.